Privacy Policy

Introduction

SmartChoiceHealth ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services to find health insurance coverage under the Affordable Care Act (ACA).

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Request a quote for health insurance
• Fill out contact forms or enrollment applications
• Subscribe to our newsletter or communications
• Contact our customer service team
• Participate in surveys or promotions

This information may include:

• Name, address, email address, and phone number
• Date of birth and Social Security Number (for enrollment purposes)
• Income information and household size
• Current health insurance status and coverage needs
• Medical history and pre-existing conditions (when applicable)
• Payment and billing information

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing activity, including:

• IP address and browser type
• Operating system and device information
• Pages visited, time spent on pages, and click data
• Referring website or source
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance services: Process your applications, provide quotes, and help you enroll in health insurance plans
• To communicate with you: Send you information about your application, policy updates, and respond to your inquiries
• To improve our services: Analyze usage patterns to enhance our website and customer experience
• To comply with legal obligations: Meet regulatory requirements under HIPAA, ACA, and other applicable laws
• To market our services: Send you promotional materials about our services and partner offerings (with your consent)
• To prevent fraud: Detect and prevent fraudulent activities and protect the security of our systems

How We Share Your Information

We may share your information with the following parties:

Insurance Carriers and Providers

We share your information with health insurance companies to obtain quotes and process your enrollment applications.

Service Providers

We work with third-party service providers who assist us with:

• Website hosting and maintenance
• Payment processing
• Customer relationship management (CRM)
• Email and communication services
• Analytics and marketing services

Legal Requirements

We may disclose your information when required by law, such as:

• In response to subpoenas, court orders, or legal processes
• To comply with government regulations and reporting requirements
• To protect our rights, property, or safety, or that of others
• In connection with fraud prevention or investigation

Marketing Partners

With your consent, we may share your information with trusted marketing partners who offer products and services that may interest you. You can opt out of these communications at any time.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for data transmission
• Secure servers and databases with access controls
• Regular security audits and vulnerability assessments
• Employee training on data protection and privacy
• Compliance with HIPAA security standards for health information

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-out: Opt out of marketing communications and data sharing with third parties
• Data portability: Request a copy of your data in a portable format
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at privacy@smartchoicehealth.org or call us at (866)-906-0408.

California residents have additional rights under the California Consumer Privacy Act (CCPA). Please see our CCPA Privacy Notice for more information.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website performance and functionality
• Deliver personalized content and advertisements

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: